The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,424
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$930/mo
Today · 4.125%
HK$31,269
baseline
▲ 0.50% · 4.625%
HK$33,172
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,538/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,734
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,612
−HK$891/mo
Today · 4.125%
HK$34,503
baseline
▲ 0.50% · 4.625%
HK$36,321
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,006/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,309
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$1,116/mo
Today · 4.125%
HK$37,523
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,046/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,281
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,069/mo
Today · 4.125%
HK$41,403
baseline
▲ 0.50% · 4.625%
HK$43,585
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,806/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,194
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,475
−HK$1,302/mo
Today · 4.125%
HK$43,777
baseline
▲ 0.50% · 4.625%
HK$46,441
+HK$2,664/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,554/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,828
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,057
−HK$1,247/mo
Today · 4.125%
HK$48,304
baseline
▲ 0.50% · 4.625%
HK$50,850
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,608/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,963
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,611
−HK$1,674/mo
Today · 4.125%
HK$56,285
baseline
▲ 0.50% · 4.625%
HK$59,709
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,570/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,921
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,501
−HK$1,604/mo
Today · 4.125%
HK$62,105
baseline
▲ 0.50% · 4.625%
HK$65,378
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,210/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,895 · Scale 2, in force from 26 Feb 2026)